02465 — Middlesex County, Massachusetts Market Snapshot
Housing market data for zip code 02465 in Middlesex County, Massachusetts. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$2,050,000
Days to Sell
20
Homes Sold
15
Inventory
17
Sale-to-List
104.1%
New Listings
41
Price/SqFt
$714
Pending Sales
30
Jumbo Loan Likely Needed
The median home in 02465 at $2,050,000 exceeds the 2026 conforming loan limit of $962,550 by $1,087,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 02465 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 02465 are selling 4.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 02465 at $2,050,000 exceeds the 2026 conforming loan limit of $962,550 by $1,087,450. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 02465 are set at the county level.
2026 Loan Limits — Middlesex County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $962,550 | $962,550 |
| 2 Units | $1,232,250 | $1,232,250 |
| 3 Units | $1,489,500 | $1,489,500 |
| 4 Units | $1,851,100 | $1,851,100 |
Affordability Snapshot — Zip 02465
To purchase the median home at $2,050,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,856.
Monthly Payment
$15,856
Income Required
$679,562
Principal & Interest
$12,631/mo
Down Payment (5%)
$102,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 02465.
Estimated Monthly Payment
$12,837
Jumbo loan required. Loan amount exceeds the $962,550 conforming limit for 02465.
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